Sandy and husband Steven have 2 sons – Matthew who is a medical student and Timothy currently serving in the Army National Guard as well as going to school. Her family also includes 3 dogs, a parakeet, and tropical fish.

For relaxation, Sandy enjoys reading, gardening, touring and camping. Welcome Sandy, we are glad to have you as part of the Henderson Properties team.

For more information on working at Henderson Properties, please be sure to check out our employment opportunities.

Richard comes to Henderson with more than 11 years of experience in construction.

He and wife Amanda have 2 children – son Wesley who is 6 years old and 7 month old daughter Logan.

For relaxation Richard enjoys nitro R/C cars and refinishing furniture.

Welcome Richard, we are glad to have you as part of the Henderson Properties team.

For more information on working at Henderson Properties, visit our Employment Opportunities page!

Ashley received her training in property management as a leasing agent for Fairfield Properties.  She will be working as a leasing agent with Cindy and Autumn.

Shag dancing is more than just a hobby for Ashley, she has been shagging most of her life and participates in Shag competitions. She loves going to the beach to attend shagging events and to spend time with friends.

Welcome Ashley, we are glad to have you as part of the Henderson Properties team.

Congratulations are in order for Heather Todd!  Heather has been promoted to the CAM Associate position and will be working with Lyle Walter.

Heather joined the CAAD department of Henderson Properties in August of last year as Legal Accounts Coordinator. She is a wonderful asset to our incredible team!

For more information on working at Henderson Properties, check out our Employment Opportunities page to see open positions. Henderson Properties is an regional leading real estate company, with offices in both North Carolina and South Carolina.

The personality of the neighborhood can vary significantly depending on where the house is located. Are you looking for more of an inner-city setting? Would you rather be amongst families or with a young college crowd? Do you want to be remote from people in a very quiet, secluded setting? The general personality of those you are surrounding yourself with is a very important thing to consider when buying a home.

How far the commute will be to and from your job is also an important consideration. You may enjoy where you live, but if you have to commute more than an hour each way, it may not be worth it to you. However, perhaps it would still be worth it because you love the house’s location so much that you are willing to sacrifice that time on the road in order to live there.

Do you run or bike regularly? If so, you will likely want to live somewhere that is close to trails and parks. Those who are long-distance runners and bikers may want to also ensure that they live close to longer trails and quiet woods or farmland in order to lose themselves in their thoughts while on the run or ride.

If you are a resident of Charlotte, North Carolina, and are looking for the best location to live in, contact a real estate agent at Henderson Properties today!

Founded in 1990, Henderson Properties provides member communities and property management client services such as: community association management, rental property management, leasing, maintenance, and home sales.

For more information, visit
www.hendersonproperties.com

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Photo: Pictured L to R:
Kara Disotell, manager of Henderson Properties Union County office, Phil Henderson, president of Henderson Properties, Sharon Rosche, president of The Union County Chamber and Michael Alvarez, Mayor of Indian Trail celebrate the opening of Henderson’s office in Indian Trail with a ribbon cutting.
Photo Credit: HendersonProperties

Article courtesy of  Union County Weekly:

http://www.unioncountyweekly.com/news/2012/03/henderson-properties-unveils-office/

Pat & Dave Baldridge, founders of the Charlotte Christian Chamber, are excited for the exceptional line-up of speakers and presenters to share their knowledge and skills to help local area businesses grow and connect. Keynote speaker, Jim Morgan, CEO and President of Krispy Kreme will be speaking on “Faith in the Workplace – a Critical Tool for Companies of All Sizes”.

The event will take place at The Broadcast Group, 8400 Regent Parkway, Fort Mill, SC

If you are interested in attending, click here to register. Tickets can be purchased up until the day of the event for as low as $69, which includes the entire day and lunch!

Come join us! There will be representatives from some of Carolina’s top business leaders across various industries. It is sure to be a day full of learning, networking, and connecting with others.

One of the biggest hurdles in buying a home is making sure that you have good/ enough credit. There is no denying that credit cards play a large role in your credit rise or downfall.

In this time of information overload we are fed a lot of “advice” from many avenues and you have to filter out unfounded information. Here are some commonly preached rules about credit cards that just aren’t true:

Myth: DEBT CONSOLIDATION ONTO ONE LOWER INTEREST CARD WILL HELP YOUR SCORE
The fact is that your largest concern is the % of the card you have paid off. If you consolidate your debt onto one card but max out the limit your credit score will lower by at least 80 points immediately. Even though you might feel more organized, it is wiser to continue to pay off your current cards rather than getting closer to a limit on a single card. The best practice is to keep your card to less than 30% of your available limit.

Myth: CLOSING CREDIT CARDS WILL HELP YOUR SCORE
Never close credit cards unless it is an extenuating circumstance like a divorce or removal from an authorized user account that has gone bad. The fact is the more available money you have but are not using the better it is for your score.

Myth: MAKING PAYMENTS ON OLD DEBT WILL HELP INCREASE YOUR SCORE
If a debt is over a year old and you verbally agree to /or make payments, your score will drop immediately. Your best bet is negotiating the debt. Often times the collector will accept 30 to 40 cents on the dollar. Once an agreement has been made, request a deletion letter. These situations are better left untouched until you are able to take care of it completely.

So what does this have to do with home buying? Every step you take in the direction of increasing your score is a step closer to owning you dream home. So stay diligent and proactive!

While the United States is still shrouded in economic uncertainty, mortgage lenders are fearful of borrowers who may default on their loan or commit mortgage fraud. Because of this, many lenders are improving their background checks and fraud-prevention measures by investigating a number of factors such as your credit, place of employment and more.

According to a recent New York Times article, “Mortgages: Triggers of Lender Scrutiny” there are four major triggers in which lenders are looking out for and what you can do about them:

A LARGE BANK DEPOSIT Lenders are required by federal regulators to confirm that funds in an account come from bona fide sources, like a gift from your grandmother for the down payment. “We source it,” Mr. Lipes said — “find out where it has come from.” What constitutes a large deposit? That is based partly on your income, he explained. If you earn $5,000 a month and deposit an extra $10,000 beyond your paycheck, that may be considered oversized. Of course, if you were just married and received a bounty of checks as gifts, you might want have your marriage license on hand as proof, when you are providing your bank account information.

YOUR ADDRESS If you are buying a primary home three hours from Manhattan yet list your employment with a Midtown company, your case may draw scrutiny, said Jason Auerbach, the divisional manager for the Manhattan office of First Choice Loan Services. He suggests getting a letter from an employer noting, for example, that you are authorized to work from home four days a week. Likewise, a couple with three children who are buying a one-bedroom apartment may be scrutinized about whether this will be their principal home. Lenders want to make sure you’re the owner-occupant, not buying as a rental or to flip the property.

NEW OR UNDISCLOSED DEBTS When you’re in the process of buying a home, avoid taking on other debt. “Sometimes borrowers don’t think buying a new car prior to closing a loan is a problem, but it is,” said Carolyn Mitchell, a senior vice president of Aklero Risk Analytics, which provides software for mortgage quality control. Buying a sofa or a furnace on credit could also slow or even scuttle your mortgage closing, depending on your situation, if it pushed your total debt levels beyond acceptable limits.

INCOME ISSUES If you disclose that you earn twice what the average person in your occupation earns, you may need to document that discrepancy. Or if you used to be an independent contractor and were recently hired as a full-time worker, that might raise concerns, Mr. Auerbach said. It is relatively easy, Mr. Lipes added, to invent false documents that inflate incomes, so lenders routinely check with the Internal Revenue Service and other sources.